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Examples? I'm not aware of anything with near zero overhead like Lightning does. In particular, I'm not aware of any system that could make payments automatically - the most likely way to bypass the cognitive load problem.
The overhead of non-trust-minimized payments exceeded most mental transaction costs decades ago. Cos. were fielding web-based micropayments, tiny fractions of a cent, in 1990s, and almost every year since then. As w/failed science xpermnts all goes down the memory hole.
^ Was exceeded by most mental transaction costs
All the ones of those I vaguely remember required a substantial sign up first and were for a single service, gift card style. Every service like PayPal that covered many merchants had fees making micropayments uneconomical even with 0 cog load.
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